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Original analysis on family office, accounting, payroll, personal finance and the financial news that moves markets — written by the specialists behind Mosaic Financial Solutions.
Topics
Five lenses on your money.
Each topic is curated by the Mosaic specialists who work in it every day.
Family Office
Structuring, estate planning, fiduciary and inter‑generational wealth.
Accounting
Financial statements, compliance and the numbers behind the business.
Payroll
Employee tax, statutory submissions and getting payroll right.
Personal Finance
Tax, retirement, risk and making the most of what you earn.
Financial News
Markets, the economy and the regulation that shapes your money.
Fresh thinking, published as it happens.
The most recent articles, pulled live from the Mosaic Adviser editorial system.
Financial News
Eskom’s energy availability rises to six‑year high as outages ease and load reduction shrinks
Eskom says its energy availability factor reached 67.55%, the highest in six years. Unplanned outages were nearly halved year‑on‑year. Customers affected by load reduction fell to 6.8%. The Eastern Cape has been removed from the rotational supply schedule, becoming the seventh province to be taken off the schedule.
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Financial News
SARB to take over payment system management; remaining duties move to PayInc by early September
The South African Reserve Bank will take over management functions for the national payment system previously held by the Payment Association of South Africa. Some functions will be performed directly by the reserve bank and the remaining functions will transfer to PayInc (BankservAfrica) by early September. The announ
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Financial News
BankservAfrica: instant-payments growth needs mandates, near‑zero pricing and merchant pull
BankservAfrica says instant payment systems are expanding rapidly globally, but adoption depends more on mandated bank participation, near-zero user pricing and strong merchant demand than on technology alone. Markets lacking this policy mix, such as Mexico and the United States, show slower uptake despite available in
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Financial News
Cross-border payments near US$250trn by 2030, but fractured systems now the top brake on growth
Cross-border payments, forecast to top US$250 trillion by 2030, face a larger obstacle from lack of interoperability between payment systems, regulators and standards than from technology. The finding references the 2020 G20 Roadmap for Enhancing Cross-Border Payments and highlights coordination challenges among stakeh
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Financial News
Standard Bank uses 20-country footprint to chase bigger slice of Africa’s digital payments
Standard Bank, Africa's largest bank by assets, aims to increase its share of the continent's digital payments flows by leveraging rising transaction volumes, expanded digital banking services and investments in technology to capture growing electronic payment activity.
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Financial News
Violent bank crime plunges as fraud shifts online, with claims hitting R2.4bn
South African banks reported just two branch robberies in 2025, down from eight in 2024. Automated teller machine bombings fell 58% and cash losses from such attacks dropped 63%. Meanwhile digital banking fraud claims increased 29.2% to 2.4 billion rand across 110,074 cases, largely driven by scams on banking applicati
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Financial News
HSBC flags higher profit in preliminary alert, details to follow
The company issued a profit warning update indicating likely higher profit for the period compared with the prior year. No specific figures or causes were provided in the excerpt. The announcement is based on preliminary assessment and is subject to final results.
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Financial News
Statistics South Africa: Women face higher unemployment and lower participation in Q2 2026 labour market
Statistics South Africa’s Quarterly Labour Force Survey for quarter two 2026 shows persistent gender gaps: women made up 50.3% of the 15–64 population but had a 37.5% official unemployment rate versus 30.3% for men. Women’s labour force participation was 54.9% (men 64.4%) and absorption into employment 34.3% (men 44.9%
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Financial News
AngloGold Ashanti confirms rand conversion and finalises interim dividend payment dates
AngloGold Ashanti plc confirms currency conversion for its interim dividend of 72 US cents per share for the quarter to 30 June 2026. Using the Reuters New York Bid Closing Rate of 16.14390 on 12 August 2026, the gross dividend for South African register holders is 1,162.36080 South African cents per share and net 929.
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Financial News
Exxaro flags 18–23% drop in H1 2026 headline and attributable earnings on weaker associate income
Exxaro Resources expects headline earnings per share and attributable earnings per share for the six months to 30 June 2026 to fall by 18%–23% versus the prior period, mainly due to lower equity-accounted income from Sishen Iron Ore Company Proprietary Limited and Black Mountain Mining Proprietary Limited. Sishen was i
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Financial News
Expanded collaboration with Uber to deploy over 2,000 robotaxis across five European cities
Autonomous vehicle company announced an expanded collaboration with Uber Technologies Inc to deploy more than 2,000 robotaxis across five cities in Europe. The deployment will be phased and subject to regulatory approvals and local permits. No financial terms were disclosed.
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Financial News
0005 halted: Hong Kong stops trading in HSBC shares with no reason or timeline
The Hong Kong Stock Exchange issued a notice that trading in the securities of a listed issuer has been suspended. The exchange did not provide further details on the reason, duration or conditions for resumption in the notice excerpt provided.
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Financial News
Reinet seeks nod for €250m seventh buyback on JSE, targeting up to 8m shares in late 2026
Reinet Investments S.C.A. proposes a seventh share buyback, conditional on shareholder approval at the 13 August 2026 annual general meeting. If approved, it will repurchase up to €250 million or 8 million ordinary shares between 18 August and 15 December 2026 on the Johannesburg Stock Exchange. Limits include a maximu
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Financial News
HSBC’s H1 2026 filing puts profit mix, credit costs and capital signals under the microscope
The company released its unaudited interim financial results for the six months ended 30 June 2026. The announcement presents financial performance and operational highlights for the period; detailed figures, commentary and comparisons to prior periods were included in the full announcement on the exchange.
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Financial News
NEPI Rockcastle enters Spain with €254m deal for Bilbao’s MegaPark Barakaldo
NEPI Rockcastle will acquire MegaPark Barakaldo in Bilbao from HLRE Socimi for a gross €254 million (net €252 million), expanding into Spain — its first investment outside Central and Eastern Europe. The c.81,000 square metre complex is 97.3% occupied, had 12.75 million visits in 2025 and generated tenant sales over €1
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Financial News
R26.1bn headline earnings up 10% at Standard Bank; interim dividend lifted 10% to 902c
For the six months to 30 June 2026, Standard Bank Group reported headline earnings up 10% to R26.1 billion and headline earnings per ordinary share up 10% to 1 609.8 cents. Return on equity improved to 19.8%. The board approved an interim dividend of 902 cents per ordinary share, a 10% increase and a 56% payout ratio.
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Financial News
Company confirms court-ordered winding-up, appoints liquidators; trading still frozen with no timeline
The company issued a supplemental announcement updating prior resumption guidance and confirming a winding-up petition and subsequent winding-up order. Joint official liquidators have been appointed and trading in the company’s securities remains suspended. No timetable for resumption of trading was provided.
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Financial News
Eskom races to restore power after storms, testing a fragile distribution network
State-owned power utility Eskom said it has deployed additional personnel, equipment and repair teams to restore electricity supply safely following severe weather disruptions across several South African provinces. The company is prioritising safety and rapid repairs while assessing damage and coordinating with local
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Financial News
Resilient REIT lifts interim dividend 11.7% to 274.38c as SA net property income grows
Resilient Real Estate Investment Trust declared an interim dividend of 274,38 cents per share, up 11,7% year-on-year, for the six months to 30 June 2026. South African net property income rose 6,0% like-for-like; group benefited from lower interest rates and favourable forward exchange rates on offshore earnings. Net a
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Financial News
PayInc index shows South African economic activity rose in July after two months of decline
PayInc Economic Index from BankservAfrica reports an increase in South African economic activity in July 2026 after falls in May and June. Lower fuel prices and record transaction volumes supported the rise, though underlying economic pressures persist.
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Financial News
Hong Kong Listing Review Committee upholds decision; trading suspension to continue
The Hong Kong Stock Exchange Listing Review Committee has issued a decision upholding a prior ruling concerning the company. Trading in the company’s securities will remain suspended pending further developments. No financial details or timetable for resumption were provided in the announcement.
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Financial News
South Africa moves to tighten employer duties and speed up labour dispute resolution
The Department of Employment and Labour has published proposed amendments to labour legislation aimed at strengthening worker protections, clarifying employer obligations and improving dispute resolution processes. The consultation seeks stakeholder input before finalising the changes.
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Financial News
Interim results for six months to 30 June 2026 announced
Company announced interim results for the six months ended 30 June 2026. The announcement reports financial performance and operational highlights for the period and may include profit or loss, revenue, and other key metrics plus management commentary and subsequent events. No forward-looking guidance or specific figur
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Financial News
South Africa’s jobless rate climbs to 33.6% in Q2 2026 as youth unemployment hits 47.4%
Statistics South Africa reports the official unemployment rate rose to 33.6% in the second quarter of 2026 as unemployed persons increased by 345 000 to 8.5 million and employed persons fell by 16 000 to 16.7 million. Youth (age 15–34) unemployment increased to 47.4% as unemployed youth rose by 264 000 to 5.0 million.
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